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The purpose of this paper is to examine how the gap between the expected benefit of the current system and that of the future upgraded system affects consumer behavior when adopting a new technology.

The study extends the regret theory to establish a structural model of expectations gap, anticipated regret, and behavior intention. Next, it conducts an online survey on the potential users of intelligent closed circuit television for home use.

The expected benefit of the current system is not only a direct precedence factor for consumer behavior, but also forms the anticipated regret through comparison with the expected benefit of the upgraded system in the future, thereby proving that this ultimately affects consumer behavior.

Regret is an interesting emotion that could have significant impact on consumers’ adoption/purchasing behaviors. While there are some studies in the IS literature on regret, it is still understudied. This study analyzes the characteristics of IT products with rapid technological change in terms of consumers’ regret.

Existing research in the electronic banking area has not deeply investigated the determinants of continuance intention to use smartphone banking services. The purpose of this paper is to attempt to do so by investigating continuance use intention at the post-consumption phase.

It developed and validated an extended framework based on the expectation-confirmation model (ECM). A total of 301 smartphone users who subscribed to online banking services participated in the study.

The results revealed that users’ confirmation after the initial use of smartphone banking services has significant impact on perceived security, perceived usefulness, trust, and user satisfaction. Perceived security significantly influences trust while perceived usefulness significantly influences trust, user satisfaction, and continuance use intention. Both user satisfaction and self-efficacy also significantly influence continuance use intention. Trust exerts significant impact on user satisfaction. The findings have implications for banks in planning their strategies to increase consumers’ continuance intention to use smartphone banking services.

Most studies have focussed only technology adoption and have paid little attention on use continuance in the context of electronic or smartphone banking. This manuscript fills the gap by focussing on the post-consumption phase. In special, the manuscript develops an extended framework based on the ECM to address IS use continuance. In addition, the topic is timely as mobile internet has been flourishing in the world.